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FISERV INC（FISV）与Smurfit Westrock（SW）财务数据对比。点击上方公司名可切换其他公司
Smurfit Westrock的季度营收约是FISERV INC的1.5倍（$7.7B vs $5.0B），FISERV INC净利率更高（11.4% vs 0.8%，领先10.6%），Smurfit Westrock同比增速更快（0.7% vs -2.0%），过去两年Smurfit Westrock的营收复合增速更高（61.2% vs -0.8%）
Fiserv是总部位于美国威斯康星州密尔沃基的跨国金融科技企业，面向银行机构提供借记卡、信用卡交易处理、忠诚度计划管理、贷款服务、电子账单支付、电汇及ACH转账、支票存款、ATM交易处理等解决方案，同时生产借记卡、信用卡及POS终端设备。
Smurfit Westrock plc是总部位于爱尔兰都柏林的企业，核心业务为生产瓦楞包装及各类纸制包装产品，公司股票同时在纽约证券交易所和伦敦证券交易所挂牌上市。
FISV vs SW — 直观对比
营收规模更大
SW
是对方的1.5倍
$5.0B
营收增速更快
SW
高出2.7%
-2.0%
净利率更高
FISV
高出10.6%
0.8%
两年增速更快
SW
近两年复合增速
-0.8%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $5.0B | $7.7B |
| 净利润 | $573.0M | $63.0M |
| 毛利率 | — | 16.4% |
| 营业利润率 | 18.3% | 3.3% |
| 净利率 | 11.4% | 0.8% |
| 营收同比 | -2.0% | 0.7% |
| 净利润同比 | -32.4% | — |
| 每股收益（稀释后） | $1.07 | $0.12 |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收FISVSW
| Q1 26 | $5.0B | $7.7B | ||
| Q4 25 | $5.3B | $7.6B | ||
| Q3 25 | $5.3B | $8.0B | ||
| Q2 25 | $5.5B | $7.9B | ||
| Q1 25 | $5.1B | $7.7B | ||
| Q4 24 | $5.3B | $7.5B | ||
| Q3 24 | $5.2B | $7.7B | ||
| Q2 24 | $5.1B | $3.0B |
净利润FISVSW
| Q1 26 | $573.0M | $63.0M | ||
| Q4 25 | $811.0M | $97.0M | ||
| Q3 25 | $792.0M | $246.0M | ||
| Q2 25 | $1.0B | $-28.0M | ||
| Q1 25 | $851.0M | $384.0M | ||
| Q4 24 | $938.0M | $146.0M | ||
| Q3 24 | $564.0M | $-150.0M | ||
| Q2 24 | $894.0M | $132.0M |
毛利率FISVSW
| Q1 26 | — | 16.4% | ||
| Q4 25 | — | 18.2% | ||
| Q3 25 | — | 19.6% | ||
| Q2 25 | — | 19.1% | ||
| Q1 25 | — | 20.6% | ||
| Q4 24 | — | 19.1% | ||
| Q3 24 | — | 17.6% | ||
| Q2 24 | — | 23.3% |
营业利润率FISVSW
| Q1 26 | 18.3% | 3.3% | ||
| Q4 25 | 24.4% | 5.1% | ||
| Q3 25 | 27.3% | 6.6% | ||
| Q2 25 | 30.7% | 3.2% | ||
| Q1 25 | 27.2% | 7.2% | ||
| Q4 24 | 31.8% | 5.3% | ||
| Q3 24 | 30.7% | 0.7% | ||
| Q2 24 | 28.0% | 8.2% |
净利率FISVSW
| Q1 26 | 11.4% | 0.8% | ||
| Q4 25 | 15.3% | 1.3% | ||
| Q3 25 | 15.0% | 3.1% | ||
| Q2 25 | 18.6% | -0.4% | ||
| Q1 25 | 16.6% | 5.0% | ||
| Q4 24 | 17.9% | 1.9% | ||
| Q3 24 | 10.8% | -2.0% | ||
| Q2 24 | 17.5% | 4.4% |
每股收益（稀释后）FISVSW
| Q1 26 | $1.07 | $0.12 | ||
| Q4 25 | $1.51 | $0.18 | ||
| Q3 25 | $1.46 | $0.47 | ||
| Q2 25 | $1.86 | $-0.05 | ||
| Q1 25 | $1.51 | $0.73 | ||
| Q4 24 | $1.63 | $-0.12 | ||
| Q3 24 | $0.98 | $-0.30 | ||
| Q2 24 | $1.53 | $0.51 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | $829.0M | — |
| 总债务越低越好 | $27.9B | $980.0M |
| 股东权益账面价值 | $26.2B | $18.1B |
| 总资产 | $80.5B | $45.2B |
| 负债/权益比越低杠杆越低 | 1.06× | 0.05× |
8季度趋势，按日历期对齐
现金及短期投资FISVSW
| Q1 26 | $829.0M | — | ||
| Q4 25 | $798.0M | $892.0M | ||
| Q3 25 | $1.1B | $851.0M | ||
| Q2 25 | $999.0M | $778.0M | ||
| Q1 25 | $1.2B | $797.0M | ||
| Q4 24 | $1.2B | $855.0M | ||
| Q3 24 | $1.2B | — | ||
| Q2 24 | $1.2B | $26.8K |
总债务FISVSW
| Q1 26 | $27.9B | $980.0M | ||
| Q4 25 | $27.8B | $13.4B | ||
| Q3 25 | $28.9B | $13.3B | ||
| Q2 25 | $28.1B | $13.3B | ||
| Q1 25 | $27.0B | $12.9B | ||
| Q4 24 | $23.7B | $12.5B | ||
| Q3 24 | $24.1B | $13.2B | ||
| Q2 24 | $24.4B | — |
股东权益FISVSW
| Q1 26 | $26.2B | $18.1B | ||
| Q4 25 | $25.8B | $18.3B | ||
| Q3 25 | $25.1B | $18.4B | ||
| Q2 25 | $25.2B | $18.3B | ||
| Q1 25 | $25.9B | $17.9B | ||
| Q4 24 | $27.1B | $17.4B | ||
| Q3 24 | $27.8B | $18.0B | ||
| Q2 24 | $28.2B | $14.5K |
总资产FISVSW
| Q1 26 | $80.5B | $45.2B | ||
| Q4 25 | $80.1B | $45.2B | ||
| Q3 25 | $79.4B | $45.6B | ||
| Q2 25 | $81.5B | $45.7B | ||
| Q1 25 | $80.4B | $44.6B | ||
| Q4 24 | $77.2B | $43.8B | ||
| Q3 24 | $79.8B | $45.0B | ||
| Q2 24 | $93.4B | $26.8K |
负债/权益比FISVSW
| Q1 26 | 1.06× | 0.05× | ||
| Q4 25 | 1.08× | 0.73× | ||
| Q3 25 | 1.15× | 0.72× | ||
| Q2 25 | 1.11× | 0.73× | ||
| Q1 25 | 1.04× | 0.72× | ||
| Q4 24 | 0.88× | 0.72× | ||
| Q3 24 | 0.87× | 0.73× | ||
| Q2 24 | 0.87× | — |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | $599.0M | $204.0M |
| 自由现金流经营现金流 - 资本支出 | $259.0M | — |
| 自由现金流率自由现金流/营收 | 5.2% | — |
| 资本支出强度资本支出/营收 | 9.1% | — |
| 现金转化率经营现金流/净利润 | 1.05× | 3.24× |
| 过去12个月自由现金流最近4个季度 | $4.2B | — |
8季度趋势，按日历期对齐
经营现金流FISVSW
| Q1 26 | $599.0M | $204.0M | ||
| Q4 25 | $1.9B | $1.2B | ||
| Q3 25 | $1.8B | $1.1B | ||
| Q2 25 | $1.7B | $829.0M | ||
| Q1 25 | $648.0M | $235.0M | ||
| Q4 24 | $2.2B | $781.0M | ||
| Q3 24 | $2.2B | $320.0M | ||
| Q2 24 | $1.3B | $340.0M |
自由现金流FISVSW
| Q1 26 | $259.0M | — | ||
| Q4 25 | $1.5B | $612.0M | ||
| Q3 25 | $1.3B | $523.0M | ||
| Q2 25 | $1.2B | $307.0M | ||
| Q1 25 | $313.0M | $-242.0M | ||
| Q4 24 | $1.8B | $212.0M | ||
| Q3 24 | $1.8B | $-192.0M | ||
| Q2 24 | $993.0M | $163.0M |
自由现金流率FISVSW
| Q1 26 | 5.2% | — | ||
| Q4 25 | 28.4% | 8.1% | ||
| Q3 25 | 24.7% | 6.5% | ||
| Q2 25 | 21.5% | 3.9% | ||
| Q1 25 | 6.1% | -3.2% | ||
| Q4 24 | 34.7% | 2.8% | ||
| Q3 24 | 35.2% | -2.5% | ||
| Q2 24 | 19.4% | 5.5% |
资本支出强度FISVSW
| Q1 26 | 9.1% | — | ||
| Q4 25 | 8.4% | 7.7% | ||
| Q3 25 | 9.6% | 7.6% | ||
| Q2 25 | 8.7% | 6.6% | ||
| Q1 25 | 6.5% | 6.2% | ||
| Q4 24 | 7.6% | 7.5% | ||
| Q3 24 | 7.7% | 6.7% | ||
| Q2 24 | 6.8% | 6.0% |
现金转化率FISVSW
| Q1 26 | 1.05× | 3.24× | ||
| Q4 25 | 2.40× | 12.32× | ||
| Q3 25 | 2.28× | 4.61× | ||
| Q2 25 | 1.62× | — | ||
| Q1 25 | 0.76× | 0.61× | ||
| Q4 24 | 2.37× | 5.35× | ||
| Q3 24 | 3.97× | — | ||
| Q2 24 | 1.50× | 2.58× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
FISV
| Processing and services | $4.1B | 81% |
| Product | $957.0M | 19% |
SW
暂无分部数据
